Vehicle Rates

Let 1st CCU's friendly local lending experts help you with the purchase of your next car, truck or recreational vehicle!  New, Used, or refinancing an existing loan you have at another financial institution, we do it all.  Our great rates, fast approval, and flexible terms will have you in the driver's seat in no time.  Now's the time to upgrade your auto, trade in your truck, or purchase that new boat, camper, or other recreational vehicle for fun in the sun this year!  Apply online today by clicking the Apply Now button below. Our lenders are able to work with you to get the loan documents signed electronically or through the drive-up at your convenience.


VEHICLE AND RECREATIONAL RATES POSTED BELOW ARE THE LOWEST AVAILABLE TO QUALIFIED BORROWERS. YOUR RATE MAY BE HIGHER AND WILL BE DETERMINED BY THE LOAN TYPE, MODEL YEAR, TERMS, AMOUNT FINANCED, AND YOUR CREDIT HISTORY. SEE A LOAN OFFICER FOR DETAILS AND AVAILABLE TERMS.

RATES SHOWN BELOW ARE CURRENT AS OF 07/27/2020:

Auto Loans As Low As: 24 Mo APR* 36 Mo APR* 48 Mo APR* 60 Mo APR* 72 Mo APR** 84 Mo APR**
New 2019-2020 (<15,000 miles) 2.75% 2.90% 3.05% 3.20% 3.50% 3.75%
Used Vehicle 2015-2019
3.00% 3.15% 3.30% 3.45% 3.75% ---
Used Vehicle 2009-2014 3.75% 3.90% 4.05% 4.20% --- ---
Older Vehicles 9.20% 9.45% 9.95% 10.70% --- ---
Older vehicle loans not eligible for discounts; minimum loan amount $1,000
Classic, Exotic as low as: 6.60% 6.75% 6.90% 8.90% --- ---
Recreational Loans                      As Low As: 24 Mo APR* 36 Mo APR* 48 Mo APR* 60 Mo APR* 72 Mo APR** 84 Mo APR** 120 Mo APR**

Includes Campers (Motor Homes, Travel Trailers, 5th Wheels),  Boats,  ATV's,  Snowmobiles,  Skidoos:
2019 (NEW) - 2020 2.75% 2.90% 3.05% 3.20% 3.50% 3.75% 4.75%
2015-2019 3.00%
3.15% 3.30% 3.45% 3.75% 4.00% 5.00%
2009-2014 3.75% 3.90% 4.05% 4.20% 4.50% --- ---
Older Recreational 9.20% 9.45% 9.95% 10.70% --- --- ---
Some rates may contain a balloon

*APR = ANNUAL PERCENTAGE RATE. SOME RATES MAY CONTAIN A BALLOON.  RESTRICTIONS MAY APPLY. 100% FINANCING ON VEHICLE LOANS AVAILABLE TO QUALIFIED BORROWERS. CONTACT A LOAN OFFICER FOR FULL DETAILS. 

**SOME RESTRICTIONS APPLY FOR TERMS THAT ARE 72 MONTHS, 84 MONTHS, OR 120 MONTHS. SEE A LOAN OFFICER FOR QUALIFICATIONS.

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NMLS 411004


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